Federal Deposit
Insurance Corporation

From: Beinhacker, Samantha [mailto:samantha.beinhacker@yale.edu]
Sent: Wednesday, October 13, 2004 4:18 PM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

I oppose the FDIC's proposal to allow banks with assets above $250 million to be examined as small banks under the Community Reinvestment Act. This policy would reduce lending, investments and services in low-income communities. As an intermediary working with community groups around the country, we desperately need to maintain and expand bank involvement in low-income communities.
Thank you for your consideration and time.
__________________________________________________
Samantha L. Beinhacker, Deputy Director
Yale School of Management - The Goldman Sachs Foundation
Partnership on Nonprofit Ventures